This company raised my interest rate (from 5.9% to 16.5%) without contacting me, charged me an over the limit fee when this excessive interest amount pushed my account over the limit, and then refused to remove the over the limit fee. They did offer to lower my rate to 14.99%. I closed my account and contacted the proper authorities.
Below is the authority to contact for complaints against MBNA.
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, Texas 77010-9050
(800) 613-6743 Phone
(713) 336-4301 Fax
Their web address is occ. Treas. Gov/customer.htm. You can download a customer complaint form and fax it to them. They will respond right away with a letter letting you know they have opened a case & it will give you a case number so that you may follow up.
If everyone turns them in for these illegal practices we may be able to stop them.
I would be happy to give any other information any of you might need.
Good luck in your quest for justice.
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